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All Journal Agrointek JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Economy Deposit Journal ( E-DJ) Jurnal Administrasi Kantor Business and Entrepreneurial Review

Ela Elliyana

Universitas Indonesia Timur

Author-ID : 2476785

Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Articles

Determinan upaya pencegahan fraud pemerintah desa Irmah Halimah Bachtiar; Ela Elliyana
Imanensi: Jurnal Ekonomi, Manajemen, dan Akuntansi Islam Vol 5 No 2 (2020): Imanensi : Jurnal Ekonomi, Manajemen, dan Akuntansi Islam
Publisher : Forum Dosen Ekonomi dan Bisnis Islam (FORDEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34202/imanensi.5.2.2020.61-68

The purpose of this study was to measure internal control, organizational ethical culture and personal characteristics that influence fraud prevention efforts in Bulukumba Regency. This type of quantitative research, the village apparatus of Bulukumba Regency becomes the population and the data analysis uses multiple linear regression. Research results show that internal control and organizational ethical culture influence fraud prevention, which indicates that both factors can increase fraud prevention efforts. However, personal characteristics are not factors that can influence fraud, meaning that efforts to prevent fraud in Bulukumba Regency are not influenced by the age of village officials. Abstrak Tujuan dilakukan penelitian ini adalah untuk mengukur Internal control, budaya etis organisasi dan karakteristik personal terhadap upaya pencegahan fraud di Kabupaten Bulukumba. Jenis penelitian kuantitatif dimana aparat desa Kabupaten Bulukumba menjadi populasi dan analisis data menggunakan regresi linier berganda. Hasil riset memperlihatkan bahwa pengendalian internal dan budaya etis organisasi memengaruhi pencegahan fraud. Artinya bahwa pengendalian internal dan budaya etis organisasi mampu meningkatkan upaya pencegahan fraud. Namun karakteristik personalbukanlah hal yang bisa memengaruhi tindak kecurangan artinya upaya pencegahan fraud di Kabupaten Bulukumba tidak dipengaruhi oleh umur aparat desa.

PEMANFAATAN AMPAS KEDELAI PADA PEMBUATAN BROWNIES “GLUTEN FREE” UBI JALAR UNGU DAN UJI KELAYAKANNYA Arnida Mustafa; Ela Elliyana
AGROINTEK Vol 14, No 1 (2020)
Publisher : Agroindustrial Technology, University of Trunojoyo Madura

Soybean pulp is a byproduct of tofu processing and soy milk. The nutrients contained in soybean dregs are still significantly high, especially protein and fiber. So far, processing of soybean pulp into food is still limited. Tuber has many benefits for the body, and has a high nutritional content and can be used as a food substitution. One of the tubers that can be processed as a substitute is purple sweet potato. The natural fiber of oligosaccharides or anti-nutrition substances stored in purple sweet potatoes is a valuable commodity for processed food products, such as brownies. This study aims to determine the quality, physicochemical and organoleptic properties produced by brownies. The study was organised using a completely randomized design (CRD) with a comparison treatment of soybean pulp paste and purple sweet potato paste including (1) 60%, 50%, 40% and (2) 40%, 50%, 60%. Each treatment was repeated three times. The study was conducted at the Pangkep State Agricultural Polytechnic Biochemistry Laboratory (PPNP) of South Sulawesi. The results of the study obtained the best quality of brownies on physicochemical properties in treatment D (A3B3), by the concentration of 40% soybean paste paste and 60% purple sweet potato paste for water content (25.76%), ash (1.01%), fat (14.56%), carbohydrate (43.32%), and protein (18.95%). The best growth power test for the physical quality of brownies is in treatment D (A3B3) with a concentration of 40% soybean pulp paste treatment and 60% purple sweet potato paste (6.4 cm). The best panelist's level of preference test was in treatment D (A3B3) with a concentration of 40% soybean paste paste treatment and purple sweet potato paste 60% for color (4.28%), aroma (3.95%), flavor (4.47% ) and texture (4.42%).

Analisis sistem pengawasan pemberian pembiayaan pada PT. Bank Sulselbar Syariah Cabang Utama Makassar ela elliyana; Ahmed Benyahia Rabia; Rishka Sri Mulyani
Economy Deposit Journal (E-DJ) Vol 1 No 1 (2019): Economy Deposit Journal (EDJ)
Publisher : Fakultas Ekonomi Universitas Indonesia Timur

This type of research uses associative / quantitative research which is a study that aims to find out the Supervision Analysis of Financing in PT Bank Sulselbar Syariah Main Branch of Makassar. The location of this study took place at PT. Bank Sulselbar Syariah Cab. Makassar. The data source is a list of customer collectability. Techniques for collecting data through primary data in the form of questionnaires and secondary data in the form of documents related to the research title. The data obtained is then analyzed through several stages including editing, coding, data tabulation, and interpreted into a descriptive. The results of the study obtained that the handling of problematic financing carried out by PT PT. Bank Sulselbar Syariah through collection staff by means of a combination of regular collection and margin discounts has the greatest success rate. On a regular basis collection collection staff come to customers directly, then customers are offered a margin discount provided that the customer has the criteria set by the board of directors. The average level of non-performing loans is 14.91%, which means that the non-performing level of musyarakah loans is 14.91% of the total funding provided by Sulselbar Syariah Bank. Whereas the maximum non-performing loan of musharaka financing occurred in March 2015 amounting to 40.01% which was caused by the reduced ability to pay from mudharib, in this case the Sulselbar Syariah Bank would have to make a backup which of course in turn reduced the risk of capital adequacy the level of non-performing loans of PT. Bank Sulselbar Syariah has increased from the previous quarter. This is due to an increase in credit is not smooth

FINANCING COMPARISON OF UMKM CONVENTIONAL BANKS AND SYARIAH BANKS IN INDONESIA ela elliyana; irmah halimah Bachtiar
Business and Entrepreneurial Review Vol. 20 No. 2 (2020): OCTOBER 2020
Publisher : Universitas Trisakti

The purpose of this study was to compare the increase in lending for Micro, Small and Medium Enterprises (UMKM) by Islamic banks and conventional banks after determining the minimum percentage of UMKM credit distribution from the total ceiling of commercial bank lending through Bank Indonesia Regulation (PBI) Number 17/12 /PBI/ 2015, where the mandatory amount of commercial bank lending applies gradually at 5% in 2015 to 20% in 2018. Using quantitative data sourced from the Financial Services Authority (OJK) using the parametric inferential statistical method with the independent T-Test technique, in two homogeneous groups that have no relationship, namely the Islamic bank group and the conventional bank group. The result is that the average increase in the amount of UMKM lending in Islamic banking is greater than that of conventional banks.

Performance of Conventional Banking, Impact of Indonesia's National Economic Recovery Program Due to the Covid 19 Pandemic ela elliyana
Business and Entrepreneurial Review Vol. 22 No. 1 (2022): APRIL 2022
Publisher : Universitas Trisakti

The goal of this study is to look at how traditional banking has performed over the previous three years, specifically the impact of LDR(X1), CAR(X2), BOPO(X3), and NIM(X4) on ROA(Y), where stimulus measures have been used to keep the economy moving forward after the COVID-19 epidemic. Research methodology: Financial services authorities provide time-series analysis of traditional banking performance reports from 2018 to 2021, processing with Stata 16 and the multiple linear regression techniques. Results: The average ROA is 2.23 percent, with a standard deviation of 0.32 percent, and swings in all independent variables may explain 80 percent of changes in bank profitability. The LDR Loan to Deposits Ratio significantly impacts bank profitability in terms of return on assets. The greater the CAR ratio, the higher the bank's profitability concerning its ROA. Assume that the BOPO grows while all other variables remain constant. In such an instance, a rise of 0.013 NIM will occur, positively impacting bank profitability on ROA. Limitations: The limitation of this research is the post-pandemic banking relaxation data. Contribution: To policymakers, to see the impact of final actions, whether they were correct or not.

Financial Literacy: Empowering Women for Better Financial Management Ela Elliyana; Yuliani Yuliani; Ambo Paerah
JURNAL ADMINISTRASI KANTOR Vol 11 No 1 (2023): Jurnal Administrasi Kantor (JAK)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Bina Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51211/jak.v11i1.2383

Previous research has shown that women tend to have lower levels of financial literacy and participation in economic activities than men. The research aims to determine ways for women to empower themselves by improving their financial literacy. The research design, a literature study, is based on a review of articles using appropriate keywords, aiming to identify and objectively evaluate relevant research on the topic of financial literacy in women, the determinants, and applicable criteria approaches to enhancing financial literacy, using a transparent process to minimize research bias. Although this systematic literature review is not comprehensive, the research has been complex. The systematic review involves thorough literature searching, explicit criteria for the inclusion and exclusion of studies, and a reliable assessment of the quality of the cited research. The research findings indicate several appropriate methods, including understanding the basics of financial literacy, taking control of personal finances, using technology, making smart investments, and seeking professional assistance in managing and consulting on finances

Pengaruh Financial Planning dan Managing Liability terhadap Financial Inclusion (Studi Kasus Shopee PayLater) Ela Elliyana; Nurhaedah Nurhaedah; Fahri Eka Oktora; Dony Oktariswan
Iqtisad: Reconstruction of Justice and Welfare for Indonesia Vol 10, No 2 (2023): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v10i2.9820

The purpose of this study was to determine the effect of Financial planning and Managing liability on financial inclusion case study on active shopee paylater users in Indonesia. The research was conducted in Indonesia, the research period was July-September 2023. The research population is active shopee paylater users in Indonesia whose exact number cannot be known. This study used Non-probability Purposive Sampling technique and for a sample of 116 respondents, but less than 100 complete questionnaires were considered usable. The results showed that financial planning and managing liability affect financial inclusion access to shopee paylater financing, including through ease of administration and ease of use. Shopee PayLater is accessible to a wide range of users, including those in underserved or remote areas, and makes it available to individuals who may not have had access to similar financial services before.Keywords: Financial Planning; Financial Inclusion; Managing Liability; Buy Now PayLaterAbstrakTujuan dari penelitian ini adalah untuk mengetahui pengaruh Financial planning dan Managing liability terhadap financial inclusion study kasus pada pengguna aktif shopee paylater di Indonesia. Penelitian dilakukan di Indonesia, periode penelitian Juli - September 2023. Populasi penelitian adalah pengguna aktif shopee payLater di Indonesia yang tidak dapat diketahui jumlah pastinya. Penelitian ini menggunakan teknik Non-probability Purposive Sampling dan untuk sampel sebanyak 116 responden, namun kurang dari 100 kuesioner yang lengkap dianggap dapat digunakan. Hasil penelitian menunjukkan bahwa financial planning dan managing liability berpengaruh terhadap financial inclusion akses ke pembiayaan shopee paylater, diantaranya melalui kemudahan administrasi dan kemudahan penggunaan. Shopee PayLater dapat diakses oleh pengguna yang luas, termasuk mereka yang berada di daerah yang kurang terlayani atau terpencil, dan membuatnya tersedia untuk individu yang mungkin tidak memiliki akses ke layanan keuangan yang sejenis sebelumnya.

Co-Authors Ahmed Benyahia Rabia Ambo Paerah ARNIDA MUSTAFA Dony Oktariswan Fahri Eka Oktora Irmah Halimah Bachtiar Nurhaedah Nurhaedah Rishka Sri Mulyani Yuliani Yuliani

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